PNC FINANCIAL SERVICES GROUP, INC.
For the period ended Sep 30, 2026. Filed Nov 3, 2026.
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A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.
Sep 30, 2026 · Filed Nov 3, 2026
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Allowance for Credit Losses by Loan Class
The following table summarizes our ACL related to loans:
Table 23: Allowance for Credit Losses by Loan Class (a)
| September 30, 2026 · December 31, 2025 | |||||||
|---|---|---|---|---|---|---|---|
| Dollars in millions · Allowance Amount · Total Loans · % of Total Loans · Allowance Amount · Total Loans · % of Total Loans | |||||||
| Allowance for loans and lease losses | |||||||
| Commercial | |||||||
| Commercial and industrial | $2,106 | $240,031 | 0.88% | $2,032 | $202,898 | 1.00% | |
| Commercial real estate | 1,085 | 36,960 | 2.94% | 1,057 | 29,565 | 3.58% | |
| Total commercial | 3,191 | 276,991 | 1.15% | 3,089 | 232,463 | 1.33% | |
| Consumer | |||||||
| Residential real estate | 101 | 48,026 | 0.21% | 44 | 43,760 | 0.10% | |
| Home equity | 270 | 26,280 | 1.03% | 271 | 25,941 | 1.04% | |
| Automobile | 150 | 15,345 | 0.98% | 158 | 16,591 | 0.95% | |
| Credit card | 654 | 7,527 | 8.69% | 632 | 7,014 | 9.01% | |
| Other consumer | 170 | 4,623 | 3.68% | 216 | 5,712 | 3.78% | |
| Total consumer | 1,345 | 101,801 | 1.32% | 1,321 | 99,018 | 1.33% | |
| Total | 4,536 | $378,792 | 1.20% | 4,410 | $331,481 | 1.33% | |
| Allowance for unfunded lending related commitments | 850 | 818 | |||||
| Allowance for credit losses | $5,386 | $5,228 | |||||
| Allowance for credit losses to total loans | 1.42% | 1.58% | |||||
| Commercial | 1.40% | 1.62% | |||||
| Consumer | 1.47% | 1.47% | |||||
(a) Excludes allowances for investment securities and other financial assets, which together totaled $103 million and $99 million at September 30, 2026 and December 31, 2025, respectively.
30 The PNC Financial Services Group, Inc. –Form 10-Q
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